Yes, you can rollover the after-tax money to a Roth IRA and before-tax money to a Traditional IRA. Rollovers have no tax whatsoever. When you take the money out of the Traditional IRA then that is taxed as ordinary income. You can always withdraw your own contributions from a Roth IRA but the earnings can be subject to a 10% penalty if removed before you reach the age of 59 1/2 or within 5-years from date of the rollover.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
